Hey john, welcome to the community mate!
Generally, it's advisable to stick to one variant - but of course you shouldn't play something that doesn't suit you. My advice is to read up on the theory of both, try it out and find out what suits you most and then stick to that.

Of course cashing in makes sense most of the time to have a bigger buffer, but it's still advisable to stick with one variant, especially in the beginning.